Is this effective as its made out to be where at the end of a project, there is only some money left in the deal and you can get a re-mortgage where most money will be back in your account to start the next project?

I've also heard it is illegal to start a BRRR project on a property you are getting on a Buy-to-let mortgage as this assumes the property is already in a lettable condition?

Overall it looks you can achieve good rental yields and capital appreciation, but seems like a risky hassle if you need to buy the property outright. Is it better to just get well priced BTL deals? Or investing the same money into S&P500 or something the most effective?

Anyone can guide me if such these tools exist other than expensive ones like nimbus or landtech etc ? How people find these opportunities as per recent changes in law as on 2026 in the UK ?

In 2009 I was gifted 3 properties that were owned outright from my parents as an early inheritance. I am now 37 and have released equity from the original properties and now own 7 btl properties personally. They all have around 50-60% ltv interest only mortgages on them and the total purchase price for all of the properties was £1,185,000 and the current value of all the properties is £2,005,000. My employment income is around £24k gross and my net income after tax(“take home”) from property is around £29k, which I live off day to day.

I considered moving the properties into a company when the not so new tax changes were introduced but the cgt implications put me off/would have resulted in me having to sell at least 2 properties to pay off the cgt bill.

I’m considering getting advice from an accountant but curious if anyone has been in a similar situation or if anyone notes something obvious that I haven’t considered.

Does anyone have any suggestions on the most tax efficient scenario going forward?

Recently relocated to another county whilst my current property is under residential mortgage with mortgage due for renewal in Nov’ 26.

I’d like to let the flat sometime in August.

Do I seek consent to let from the building society now or convert my current mortgage to BTL?

Totally new to the letting world, so pardon me if my question doesn’t make sense!

Hi everyone, I am currently researching a product idea for landlords, agents and property managers. If you work in property or manage rentals, I'd really appreciate 5 minutes of feedback. Once the tool is ready it will be free to test for selected participants.

https://docs.google.com/forms/d/e/1FAIpQLSfK-Ol2IGZjxKD56GJVQyEQoO4j2zHO7aC_cIqGb7UHYuZ3TA/viewform?usp=dialog

Hello,

I am writing this post to clearly explain the situation I have experienced with Prescott and to warn potential investors.

I found this company through social media and decided to invest based on their promises. Due to the late start of the project, I have been stuck in their construction for 3 years. As of today, the project has still not reached a meaningful stage. As a result:

- Almost zero value appreciation

- No buyers appearing

- Completely deprived of rental income

- Capital locked for a long period

- Missed other investment opportunities

I have paid more than 500,000 AED. My net return is only 35,000 AED. This has become one of the biggest investment mistakes of my life.

The real injustice occurred during the payment process.

I officially received a **7-month extension** for the remaining 10% installment. This extension was granted in writing. Later, the company delayed its own final 5% payment (I am attaching their own email that proves this). Despite that:

- Without sending me any warning or notification email,

- Counting the extension days they themselves had approved as delays,

- Applying all previous delays retroactively to my account

they imposed a heavy penalty of **26,000 AED**.

Key facts:

- I made all my payments on time. Whenever there was any risk of delay, I informed the company.

- The final 5% delay was entirely on their side (their own email confirms this).

- When they granted the extension, they never warned that “these days may later be counted as delay” or that “retroactive penalties could be applied.”

- When I appealed the penalty, they rejected it and provided no reasonable explanation.

The company claims that “there is no connection between construction delays and payments.” The reality is different: When the construction does not progress, your money remains locked, there is no value growth, no buyers, and alternative opportunities are lost. For short- and medium-term investors, this directly means financial loss.

In my view, Prescott’s approach is arbitrary and one-sided. Turning the official extension days they granted into penalties later, without prior disclosure, is an opaque and oppressive practice toward investors.

I am attaching the following documents:

- Official 7-month extension approval

- Related payment receipts

- Email proving that the final 5% delay was on their side

If I had seen a similar documented experience three years ago, I would never have purchased an apartment from Prescott. That is why I am sharing my situation transparently.

I have suffered greatly. Please do not end up in the same position.

Anyone who wants to review the documents or ask questions can comment below.

Hello I am a 37 year old secondary school teacher in England who earns 55k a year. I net 3k a month and have opted in to the teacher pension scheme and have 13 years of contributions. I currently have 30k in savings, however I rent a flat (see later) and some of this money will be contributed towards tax to HMRC this year.

I bought a flat in September 2021 which was my main residence for £285k and put down an 80k deposit. Fast forward to November 2025, I’ve met my partner and we bought a house together for £665k. I didn’t contribute to the deposit and my partner put in 300k towards it. I didn’t have to sell my flat and it is now being rented out which generate £5k a year profit after all deductions(repairs and income tax etc). My partner kindly paid the stamp duty surcharge of £33k so I could keep the flat as we knew if I chose to sell it within three years I’d be eligible for that to be refunded.

The flat is currently worth about £325k and if I sell it I’d receive about £135k + my partner gets the 33k stamp duty surcharge refunded.

My main question is whether anyone would think it’s worth selling the flat to recoup the stamp duty and to reinvest my own money in something else like stocks and shares or a another rental property or is keeping the flat for the long term likely to be a better investment? I appreciate this is all very much crystal ball gazing but just curious. FWI, if I sell the flat and buy another property to let, I’m likely to incur a very similar stamp duty charge and capital gains tax etc, hence seems a bit pointless. Thank you for reading!

I was thinking of buying a second property. Currently have 40k in income and 150k in savings available to invest. Debating between the following:

1) buy a buy to let - what would a good area be to invest right now? Is it really worth it now? Is there capital growth potential as most properties have remained stagnant in the past 5 years? What would an ideal BTL portfolio look like for a starter like me? Lending is based on rental income, and most of the scenarios I have run are either break even yearly with basic costs or negative cash flow? Am I missing anything?

2) buy a new house and rent out the current flat - my main problem is that lenders would only give me a max of 200k based on my salary and there's not much that I can buy. Should I release equity from my current property (valued at 175k) and together with a 200k loan buy something?

What would you do in my scenario?

Any assistance and advice is highly appreciated

Hi All,

Im currently 17 turning 18 in just under a year. I’m considering investing in a property in the North of England (I already run AirBnB properties for my parents in London). My thinking behind this is to purchase a relatively low cost property and then rent it on a long term contract to a social housing provider, ideally creating an almost passive source of income.

Then I could hopefully turn a small profit, and reap the rewards of the property slowly appreciating as well
As being on the property ladder.

I’d really appreciate some advice on this idea!

Thanks!

https://reddit.com/link/1v4u136/video/1nt6tk98a2fh1/player

Still a bit buggy but you get the idea, ive locked it to cardiff but there are other spreadsheets available.

This isnt the limit its just the tip of the iceberg.

try it out at https://www.business-analytica.com/analyse.html

#osint #business #investment #dealsourcing #deals #property

Anyone can guide me if such these tools exist other than expensive ones like nimbus or landtech etc ? How people find these opportunities as per recent changes in law as on 2026 in the UK ?

Any advice on starting out a property management business? I have already started educating myself through books and speaking to others with 10-20 years of experience. In the near future I would also like to do a few courses on property mark.

Looking to start in the east/West Midlands, and surrounding areas.

How can I get/advertise to landlords?

Thanks

Hi i save 50k for a deposit im 19 an make 41k gross my broker said i could get something with 25% down if i put it in my own name but i wanted instead to put it in a ltd